The need for money is inherent in every person.
But what if you feel the need for an amount much larger than you have?
If you need money to realize your dreams, purchase the necessary household or computer equipment, go on vacation and other things, then the most popular solution is a loan.
There is a wide variety of loan products, banks, and lending conditions vary. Axon Bank provides a wide range of loan programs that provide optimal conditions for each borrower.
Without specialized education, experience in the financial market, the choice may indeed seem difficult. In this article, we will try to deal with existing proposals, their features and parameters.
How to get a loan from Axon Bank?
Axon Bank is a regional financial institution. Its activities are aimed at attracting funds for deposits, lending, providing a high level of service and providing customers.With the help of a banking organization, many citizens Russian Federation have the opportunity to get a car loan, consumer credit.
In addition, the functions of a financial institution include issuing credit cards and deposits. Among the bank's clients, consumer credit is in the lead in terms of demand. He is able to satisfy every need.
Citizens of the Russian Federation turn to Axon Bank, since it has a number of advantages - minimal time spent on obtaining a loan, a simple package of documents required for obtaining a loan.
The package of documents required for obtaining a loan from a banking organization includes:
A photocopy of the passport;
work book;
Driver's license, pension certificate;
TIN;
income statement;
Military ID - valid for men under the age of 27 years.
Axon Bank puts forward the following requirements for the borrower:
The presence of citizenship of the Russian Federation;
Having a good credit history;
Age from 18 to 65 on the date of loan repayment.
The borrower can repay the loan in any way convenient for him - in the branch of the financial institution "Akson" in cash, by means of a salary card, in any other banking organization by bank transfer, using terminals, electronic transfer.
Loan products:
You can get cash in cash using the following loans:"Service". Making a loan will be beneficial for representatives of the Armed Forces and law enforcement agencies of the Russian Federation. Credit is provided for a period of 6 to 36 months. The interest rate ranges from 14 to 28%. Loan repayment is made by annuity payments. The size of the loan is determined by the financial institution, depending on the confirmed income of the potential borrower. Cash transferred to a bank card, which is opened free of charge. For late repayment of the monthly loan payment, the borrower is subject to a fine. The amount of the fine is 0.05% of the loan amount daily;
"Pension". This loan program involves the issuance of a loan to the borrower up to 1,000,000 rubles. The loan repayment period is from 6 to 36 months. The interest rate ranges from 14 to 28%. The loan is repaid monthly in equal installments;
"A Million Possibilities" Distinctive features of the loan program are that it is provided only with a passport, for any purpose. In addition, a loan can be issued at a reduced interest rate for customers who have a good credit history. A loan is provided for a period of 12 to 36 months. The interest rate ranges from 17 to 30%. The maximum possible loan amount is determined for each borrower individually. Payment of credit funds must be made monthly, in equal installments;
"Privilege". This loan program is intended for those clients of a banking institution who have deposits;
"Fast". Among the advantages of the loan program is the fact that only a passport is needed to obtain it, no security is required. Loan term is 6, 12, 18 and 24 months. The interest rate on the loan is 40%. The loan is repaid monthly, in equal installments;
"Refinancing". Making a loan will be relevant for those who want to reduce the monthly payment amount. It is provided to the clients of Axon Bank;
"Reputation". This loan program is available to those who have an impeccable credit reputation at Axon Bank or any other financial institution;
"Collective". If you want to get a loan for a large amount of money, then this loan program will come in handy.
Having decided to use any of the listed credit programs, you must submit an application to a banking organization.
It will be reviewed within 3 days. After that, you will know about the decision made.
It is worth considering that, in case of refusal, the reason is not explained to the client.
Maxim Demchenko
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The Axon Credit system allows bank customers to quickly fill out an online loan application with the ability to specify the desired loan term and amount. The article describes in detail the stages of filing an application without visiting a branch of a financial institution.
Axon Bank offers customers to apply online for the following types of loans:
On the official website of the bank, the client can get information about the types of loans, as well as about the methods and conditions for obtaining and repaying.
Application methods
To apply online, a client of Axon Bank can:
- visit the official website;
- use your personal account.
The borrower is not limited by the time the site is open and can apply from anywhere and at any time. List of documents for obtaining a loan:
- passport of a citizen of the Russian Federation;
- SNILS.
The list of additional requirements:
- age from 18 to 70 years;
- the term of work in the last place is not less than 4 months.
Registration takes place without guarantors, collateral and income statements.
Official site
On the bank's website, the borrower should click the "Get a loan" button and fill out the questionnaire, which will become active below.
The application is submitted after the correct filling of all columns of the questionnaire, in which the following are entered:
- personal data;
- passport data;
- SNILS;
- registration data at the place of residence;
- information about the borrower's employment and income level.
The time for making a decision on a loan application from the moment of submission is from 5 minutes to three business days.
Personal Area
Clients of Axon Bank can use the Internet banking service. The client can also apply for a loan here. The application form is identical to the online form on the official website.
Registration
On the official website, you must click the Internet Banking button.
After that, the menu for entering the bank will open on the page. If the client is visiting the site for the first time, he should register.
Registration takes place using one of the following methods:
- by credit card number;
- according to the passport;
- by account number.
Authorization
In case of problems with logging into their personal account or in order to restore access to the Internet Bank, customers need to use the Register link or contact the Axon Bank information center by calling 8-800-100-1500.
Stages of consideration
The application filled by the borrower goes through two stages of consideration:
- verification of the questionnaire by a credit expert;
- verification by the automated system of the bank.
The financial institution will report a preliminary positive decision or refusal. Further, the entire package of documents must be taken to the bank for further processing.
In rare cases, the amount of the loan, its term, interest rate may be reviewed and a guarantee of third parties may be required. This happens when the bank tries to insure the additional risks associated with the current type of lending.
How to improve your chances of getting approved
In order to increase your chances of obtaining a loan, the borrower must remember that:
- The presence of a positive credit history serves as an advantage for conscientious borrowers over those customers who have a credit history that is either negative or absent.
- At the time of application, you should enter your data as truthfully and correctly as possible. Errors and inaccuracies may cause an automatic rejection of the application.
- In addition to a positive credit history, it is important to have a constant source of income. The bank must be confident in the solvency of the borrower.
The functionality and mobility of the online service from Axon Bank allows borrowers to apply for any type of loan at a convenient time and anywhere where there is Internet access.
Among financial services The Bank offers two consumer lending programs for individuals. Borrowers who meet the requirements can receive up to 10 million rubles. To take a cash loan from Axon Bank, it is enough to fill out an online application on the official website of the company.
Product Terms
Through an online application at Axon Bank, one of two consumer cash loans can be issued.
Express Loan Program:
- The rate is 15.9% for all clients and 13.9% for preferential category of borrowers.
- The amount is from 30 thousand to 300 thousand rubles.
- The term of the contract is from 1 to 3 years (multiple of 12 months).
For conclusion loan agreement you will need a passport of the Russian Federation and SNILS. Without documents on income, you can take up to 150 thousand rubles, otherwise you must submit a certificate in the form of "Akson Bank", 2-personal income tax, an extract from the PFR or a pensioner's certificate. Borrowers who have successfully closed a previous loan in the amount of more than 100 thousand rubles in Axon Bank do not need to provide certificates.
If necessary, take a large sum, you can use the loan program "Capital". As part of the product, the bank issues up to 100 million rubles, the minimum threshold is 300 thousand. You can return the borrowed funds within 1–5 years, while the overpayment percentage will depend on the duration of the contract. And also the cost of the loan is affected by the availability of insurance.
Detailed conditions for the rates of the "Capital" program are indicated in the table.
| Term, in years | Contract with insurance | Contract without insurance |
|---|---|---|
| 1 year | 9,50% | 19,5% |
| 2 years | 16,5% | 22,0% |
| 3 years | 17,5% | 22,0% |
| 4 and 5 years old | 18,0% | 22,0% |
The contract for life and health insurance services is concluded on a voluntary basis, but such a decision will allow you to get the maximum profitable terms. The cost of the policy depends on the amount of the loan and is 5%.
A package of documents for submission to LLC CB "Axon Bank": passport, SNILS, certificate of the amount of monthly income (account statement from the PFR on accrued pension, 2-personal income tax, pension certificate, certificate of employment in the form of a bank).
How to apply online
Drawing up an application for a loan is carried out on the official website of the bank. Here you need to select the appropriate offer and click on the "Finish" button, after which a form will open to fill out.
It must provide all the requested information:
- the amount and term of the loan;
- FULL NAME. and date of birth;
- mobile phone and email address;
- passport data: number, series, subdivision code, date of issue;
- address of permanent residence;
- SNILS;
- job title.
The period for generating a response to an online loan application is from 5 minutes to 3 working days. After, the bank sends a notification about previously approved loan or refusal. Then a package of documents must be submitted to the bank for consideration, after which the loan manager will announce the exact terms of the loan - the amount and interest rate. In special cases, third-party guarantees may be required to receive funds.
At Axonbank individuals can issue non-target consumer cash loans with flexible parameters and on individual terms. The bank's offers are suitable for various categories of individuals: pensioners, conscientious borrowers, clients receiving wages through the accounts of Axonbank, etc.
Features of lending programs
In "Axonbank" you can take a cash loan on the day of application. There are several loan programs.
"Express loan"
Under this offer, you can take a consumer loan in the amount of 30,000-300,000 rubles for up to 3 years (in increments of 1 year, i.e. 12, 24 or 36 months). The interest rate for "Express" depends on the category of the client. For pensioners, payroll clients and conscientious borrowers (with an existing closed loan from 100,000 rubles and an acceptable overdue debt of no more than 7 days), the rate will be 13,9% , for other clients - 15,9% .
Express Loan Program at Axonbank
Amount of credit
from 30 thousand rubles to
300 thousand rubles
loan terms
up to 36 months
loan rate
from 13.9% per annum
* - a minimum package of documents is required
A loan amount up to 150,000 rubles can only be issued with a passport and a second document (still). When applying for a large amount, you must confirm your income with a certificate in the form of 2-NDFL, a form in the form of a bank or a certificate of the amount of the pension. Confirmation of income for the category of conscientious borrowers is not required.
"Capital"
Lending conditions allow you to get a larger loan amount - from 300,000 to 100,000,000 rubles for up to 5 years, in increments of 1 year. The interest rate on "Capital" depends on the term of the loan and the availability of an insurance contract. The minimum interest rates are fixed when applying for a loan with financial protection, increasing along with its term: 9.5% for 1 year, 16.5% for 2, 17.5% for 3, 18% for 4-5 years. Rates without insurance: 19.5% for a year and 22% for 2-5 years.
Financial protection is issued at the request of the client and amounts to 5% of the loan amount. Insurance is not mandatory, but it increases the chances of approval on the application, moreover, when applying large amount loan, financial protection allows you to protect the borrower and his family from unforeseen circumstances (insured events). The client can pay for the insurance contract both at his own expense and borrowed money included in the loan amount.
Since this program provides for the issuance of large loans, proof of income is required. As required documents the bank takes into account certificates in the form of 2-NDFL, forms in the form of a bank, certificates of the amount of the pension. Without confirmation of income, the rate increases by 1.5%, and in case of confirmation by a certificate in the form of a bank, by 1%. If there is a certificate from the Pension Fund of the Russian Federation on the amount of the pension, the rate is reduced by 2 points.
Credit "Capital" in "Aksonbank"
Amount of credit
from 300 thousand rubles to
100 million rubles
loan terms
loan rate
from 9.5% per annum
* - there are conditions for reduction interest rate
If the client has a positive credit history with Axonbank, the Capital rate is reduced by:
- 0.5% for two repaid loans;
- 1% for three repaid loans;
- 1.5% for four repaid loans.
If the salary or pension comes to the accounts of Axonbank, the rate is reduced by 2%, and if the borrower's employer has a current account with LLC CB Axonbank, it is reduced by 1%.
The rate is reduced by:
- 1% if the amount is from 1,000,000 to 4,999,999 rubles;
- 2% if the amount is from 5,000,000 to 100,000,000 rubles.
And if you secure the loan with an insured pledge of real estate, transport or two guarantors, the rate will be reduced by 1%. If the deposit is not insured, an increase of 1% follows.
But the minimum percentage for a loan amount of 300,001 for a period of 12 months cannot be lower than 9.5%, in other cases it cannot be lower than 13%.
Requirements for the borrower
A potential client of Axonbank must be at least 22 years old with official employment and sufficient salary(design ). To apply for an express loan, the work experience at the last place of work must be at least 3 months, for the Capital program - at least six months. In addition to the income statement, the client must submit a passport and SNILS. Registration in the city of presence of "Axonbank" is obligatory.
How to issue
To receive a decision on a loan application, you must complete a questionnaire, indicating the necessary personal data. 2 options are possible: in personal contact customer to a branch or filling out an online application on the bank's website indicating the desired loan amount, personal data and employment information. Filing an application on the Internet allows you to get only a preliminary decision, the final decision will be made upon confirmation of real documents at the bank office.
If the borrower has a negative credit history or problems with paying taxes or utility bills, the refusal will follow immediately, including when applying online. The solution usually comes pretty quickly: within 2-3 minutes. You can make a preliminary calculation of the payment yourself using the loan calculator on the official website of the bank.
Credit for both programs is issued in cash and without commission. Further repayment occurs in equal installments, while interest is charged on the balance of the principal debt, decreasing with each payment. Partial and complete early repayment possible and occurs only at the request of the client. Tracking information on loans and other banking products is available at personal account client.